/*
* public void SpouseDies(int holdings, int dead, int ratesLeft = 12 * 10, int ownDead = 999)
* {
* _holdingsDeadSpouse += holdings; //beholdningen opdateres i tilfælde af at personen allerede har modtaget en pension fra afdød ægtefælle (dette må være sjældne tilfælde).
* _ratesLeftDeadSpouse = ratesLeft; //udbetales over 10 år med mindre udbetaling er påbegyndt, en unøjagtighed i tilfælde af pensioner fra flere afdøde ægtefæller
*
* int installment = 0; //årets samlede pensionsudbetaling
* for (int m = Math.Min(dead, 0); m < Math.Min(ownDead, 12); m++)
* {
* }
*
* }
*/
private void ContributionRate(int contribution)
{
int growth = Convert.ToInt32(_holdingsRate * PensionSystem.InterestRateForecasted(12));
_holdingsRate += growth + contribution; //opdater personlig formue med rente og indbetaling
PensionSystem.PensionfundRate.Contribution(growth + contribution); //orienter pensionsfund om vækst i beholdning
}
public void InstallmentFactor()
{
for (int r = 0; r < _installmentFactor.Length; r++)
{
if (PensionSystem.InterestRateForecasted(12) == 0)
{
_installmentFactor[r] = r; //enhedsannuitet for given restløbetid. Bemærk r+1 fordi 0 betyder at der er en rate tilbage (den der er ved at blive udbetalt)
}
else
{
_installmentFactor[r] = (1 - Math.Pow(1 + PensionSystem.InterestRateForecasted(12), -(r + 1))) / PensionSystem.InterestRateForecasted(12); //enhedsannuitet for given restløbetid. Bemærk r+1 fordi 0 betyder at der er en rate tilbage (den der er ved at blive udbetalt)
}
}
}
private void ReadMortalityRates()
{
double[] mortalityrates = new double[MAXAGE];
try
{
using (StreamReader sr = new StreamReader(_mortalityRatesFile))
{
string line;
while ((line = sr.ReadLine()) != null)
{
string[] cols = line.Split('\t');
int age = Convert.ToInt32(cols[1]);
// if (Convert.ToInt32(cols[2]) == Program.year && age < MAXAGE) //hent kun dødsrater i det givne år for personer over 60
if (Convert.ToInt32(cols[2]) == 2010 && age < MAXAGE) //hent kun dødsrater i det givne år for personer over 60
{
mortalityrates[age] += Convert.ToDouble(cols[3]) / 2d; //tag simpelt gennemsnit af raten for mænd og kvinder
}
}
}
}
catch (Exception e)
{
Console.WriteLine("The file could not be read:");
Console.WriteLine(e.Message);
throw new Exception();
}
decimal[] l = new decimal[MAXAGE * 12];
l[0] = 1;
for (int a = 1; a < MAXAGE * 12; a++)
{
int y = a / 12;
int m = a % 12;
if (m == 0) //januar måned
{
l[a] = Convert.ToDecimal((1 - mortalityrates[y - 1])) * l[a - 12];
}
else
{
l[a] = Convert.ToDecimal((1 - m / 12d * mortalityrates[y])) * l[y * 12];
}
}
for (int a = 0; a < MAXAGE * 12 - 1; a++)
{
_p[a] = Convert.ToDouble(l[a + 1] / l[a]);
}
double v = 1 / (1 + PensionSystem.InterestRateForecasted(12));
double[] L = new double[MAXAGE * 12];
for (int a = 0; a < MAXAGE * 12; a++)
{
L[a] = Convert.ToDouble(l[a] * Convert.ToDecimal(Math.Pow(v, a)));
}
for (int x = 0; x < _pensionAge * 12; x++)
{
double sum = 0;
for (int y = _pensionAge * 12; y < MAXAGE * 12; y++)
{
sum += L[y] / L[x];
}
_alphaB[x] = Math.Pow(v * sum, -1);
}
for (int x = 0; x < _pensionAge * 12; x++)
{
double sum = 0;
for (int y = x; y < _pensionAge * 12; y++)
{
sum += L[y] / L[x];
}
_alphaI[x] = v * sum * _alphaB[x];
}
for (int x = _minPensionAge * 12; x < MAXAGE * 12; x++)
{
double sum = 0;
for (int y = x; y < MAXAGE * 12; y++)
{
sum += L[y] / L[x];
}
_gammaB[x - _minPensionAge * 12] = Math.Pow(v * sum, -1);
}
}
public int CalculateAdf(int bdf, int expected)
{
return(Convert.ToInt32((1 + PensionSystem.InterestRateForecasted(12)) * bdf - expected));
}
private void ReadMortalityRates()
{
double[] mortalityrates = new double[MAXAGE];
try
{
using (StreamReader sr = new StreamReader(_mortalityRatesFile))
{
string line;
while ((line = sr.ReadLine()) != null)
{
string[] cols = line.Split('\t');
int age = Convert.ToInt32(cols[1]);
// if (Convert.ToInt32(cols[2]) == Program.year && age < MAXAGE) //hent kun dødsrater i det givne år
if (Convert.ToInt32(cols[2]) == 2010 && age < MAXAGE) //hent kun dødsrater i det givne år for personer over 60
{
mortalityrates[age] += Convert.ToDouble(cols[3]) / 2d; //tag simpelt gennemsnit af raten for mænd og kvinder
}
}
}
}
catch (Exception e)
{
Console.WriteLine("The file could not be read:");
Console.WriteLine(e.Message);
throw new Exception();
}
decimal[] l = new decimal[MAXAGE * 12];
l[0] = 1;
for (int a = 1; a < MAXAGE * 12; a++)
{
int y = a / 12;
int m = a % 12;
if (m == 0) //januar måned
{
l[a] = Convert.ToDecimal((1 - mortalityrates[y - 1])) * l[a - 12];
}
else
{
l[a] = Convert.ToDecimal((1 - m / 12d * mortalityrates[y])) * l[y * 12];
}
}
for (int a = 0; a < MAXAGE * 12 - 1; a++)
{
_p[a] = Convert.ToDouble(l[a + 1] / l[a]);
}
double v = 1 / (1 + PensionSystem.InterestRateForecasted(12));
double[] L = new double[MAXAGE * 12];
for (int a = 0; a < MAXAGE * 12; a++)
{
L[a] = Convert.ToDouble(l[a] * Convert.ToDecimal(Math.Pow(v, a)));
}
for (int x = PensionSystem._minPensionAge * 12; x < MAXAGE * 12; x++)
{
double sum = 0;
for (int y = x; y < MAXAGE * 12; y++)
{
sum += L[y] / L[x];
}
_gammaB[x - PensionSystem._minPensionAge * 12] = Math.Pow(v * sum, -1);
}
#region beregn _beta
for (int x = 0; x < PensionSystem._minPensionAge * 12 - 1; x++)
{
double sum = 0;
for (int y = x + 1; y <= PensionSystem._minPensionAge * 12 - 1; y++)
{
sum += L[y] / L[x];
}
_beta[x] = _qd[x] * sum;
}
for (int x = PensionSystem._minPensionAge * 12 - 1; x < MAXAGE * 12; x++)
{
_beta[x] = 0; //sættes til nul i perioden umiddelbart før pensionsalder og fremefter
}
#endregion beregn _beta
#region beregn _alphaB
for (int x = 0; x <= PensionSystem._pensionAge * 12 - 2; x++)
{
double sum1 = 0;
for (int y = x; y <= PensionSystem._pensionAge * 12 - 2; y++)
{
sum1 += Math.Pow(v, y - x + 1) * _beta[y];
}
double sum2 = 0;
for (int y = PensionSystem._pensionAge * 12; y < MAXAGE * 12; y++)
{
sum2 += L[y] / L[PensionSystem._pensionAge * 12];
}
sum2 *= Math.Pow(v, PensionSystem._minPensionAge * 12 - x + 1);
_alphaB[x] = Math.Pow(_zeta * sum1 + sum2, -1);
}
{
double sum = 0;
for (int y = PensionSystem._minPensionAge * 12; y < MAXAGE * 12; y++)
{
sum += L[y] / L[PensionSystem._minPensionAge * 12];
}
_alphaB[PensionSystem._minPensionAge * 12 - 1] = Math.Pow(v * v * sum, -1);
}
for (int x = PensionSystem._minPensionAge * 12; x < MAXAGE * 12; x++)
{
_alphaB[x] = 1;
}
#endregion beregn _alphaB
#region beregn _alphaI
for (int x = 0; x <= PensionSystem._pensionAge * 12 - 2; x++)
{
double sum1 = 0;
for (int y = x; y <= PensionSystem._pensionAge * 12 - 1; y++)
{
sum1 += Math.Pow(v, y - x + 1);
}
double sum2 = 0;
for (int y = x; y <= PensionSystem._pensionAge * 12 - 2; y++)
{
sum2 += Math.Pow(v, y - x + 1) * _beta[y];
}
_alphaI[x] = _alphaB[x] * (sum1 - sum2);
}
_alphaI[PensionSystem._minPensionAge * 12 - 1] = _alphaB[PensionSystem._minPensionAge * 12 - 1] * v;
for (int x = PensionSystem._minPensionAge * 12; x < MAXAGE * 12; x++)
{
_alphaI[x] = 1;
}
#endregion beregn _alphaI
#region beregn _theta og _eta
for (int x = 0; x < PensionSystem._minPensionAge * 12; x++)
{
double sum = 0;
for (int y = x; y < PensionSystem._minPensionAge * 12; y++)
{
sum += L[y] / L[x];
}
_theta[x] = v * sum;
_eta[x] = Math.Pow(_theta[x], -1);
}
#endregion beregn _theta og _eta
#region beregn _gamma
for (int x = PensionSystem._minPensionAge * 12; x < MAXAGE * 12; x++)
{
double sum = 0;
for (int y = x; y < MAXAGE * 12; y++)
{
sum += L[y] / L[x];
}
_gamma[x - PensionSystem._minPensionAge * 12] = Math.Pow(v * sum, -1);
}
#endregion beregn _gamma
}
public int Update(int age, int[] contributionRate, int[] contributionLivsrente, int startRate = -1, int startLivrente = -1, int dead = -1)
{
if (udvalgt && age == 65)
{
Console.WriteLine("65 år");
}
int installment = 0; //årets samlede pensionsudbetaling
int installmentLivrente = 0;
for (int m = 0; m < 12; m++)
{
_livrenteDepotPrimoBx = PensionSystem.PensionfundLivrente.UpdateHoldings(age, _livrenteDepotUltimoAx, _dx, m); //beregn ny beholdning (Bx)
if (m == 0)
{
w = _livrenteDepotPrimoBx;
}
if (udvalgt && m == 0 && age < 65)
{
int expected = PensionSystem.PensionfundLivrente.InstallmentExpected(age, m, _livrenteDepotPrimoBx, contributionLivsrente[m]);
// Console.WriteLine("Forventet pension: " + expected);
}
#region ratepension
if (startRate == m && _ratesLeft < 1)
{
_ratesLeft = 12 * 10; //aktiver ratepensionsudbetaling sæt udbetaling til at vare 10 år
}
ContributionRate(contributionRate[m]); //indbetal til ratepension
installment += InstallmentRate(); //udbetal ratepension
#endregion ratepension
_activeLivrente |= startLivrente == m; //aktiver livrentepensionsudbetaling
PensionSystem.PensionfundLivrente.Growth(w); //faktisk rente tilskrivning
PensionSystem.PensionfundLivrente.Contribution(contributionLivsrente[m]); //orienter pensionsfund om indbetaling
if (_activeLivrente /*&& installmentLivrente == 0*/ && _livrenteDepotPrimoBx > 0)
{
installmentLivrente = PensionSystem.PensionfundLivrente.CalculateInstallment(age, m, _livrenteDepotPrimoBx); //beregn livsrentepension, hvis aktiv
}
PensionSystem.PensionfundLivrente.Installment(installmentLivrente); //orienter pensionsfund om udbetaling
w = Convert.ToInt32((1 + PensionSystem.InterestRate(12)) * w) + contributionLivsrente[m] - installmentLivrente;
_livrenteDepotUltimoAx = Convert.ToInt32((1 + PensionSystem.InterestRateForecasted(12)) * _livrenteDepotPrimoBx) + contributionLivsrente[m] - installmentLivrente;
installment += installmentLivrente;
if (udvalgt && m == 0 && installmentLivrente > 0)
{
Console.WriteLine("Udbetaling, m=" + m + ", " + installmentLivrente + " Kr.");
}
if (dead == m) //personen dør denne måned
{
PensionSystem.PensionfundLivrente.PersonExit(w, m);
PensionSystem.PensionfundRate.PersonExit(_holdingsRate, m);
return(installment);
}
if (m == 11)
{
_dx = PensionSystem.PensionfundLivrente.CalculateDx(age, m, _livrenteDepotUltimoAx); //beregnes efter Ax
}
}
return(installment);
}
public int Update(int age, int[] contributionRate, int[] contributionLivsrente, int[] contributionInvalide, int startRate = -1, int startLivrente = -1, int startInvalideAldersPension = -1, int invalid = -1, int dead = -1)
{
double tmp = 0;
if (udvalgt && age == 65)
{
Console.WriteLine("65 år");
}
int installment = 0; //årets samlede pensionsudbetaling
#region ratepension
for (int m = 0; m < 12; m++)
{
if (startRate == m && _ratesLeft < 1)
{
_ratesLeft = 12 * 10; //aktiver ratepensionsudbetaling sæt udbetaling til at vare 10 år
}
ContributionRate(contributionRate[m]); //indbetal til ratepension
installment += InstallmentRate(); //udbetal ratepension
if (udvalgt && m == 0 && installment > 0)
{
Console.WriteLine("Ratepension, udbetalt (m=" + m + "): " + installment);
}
if (dead == m) //personen dør denne måned
{
PensionSystem.PensionfundRate.PersonExit(_holdingsRate, m);
break;
}
// _dx = _livrenteDepotUltimoAx;
}
#endregion ratepension
#region simpel livrente
int installmentLivrente = 0;
for (int m = 0; m < 12; m++)
{
_livrenteDepotPrimoBx = PensionSystem.PensionfundLivrente.UpdateHoldings(age, _livrenteDepotUltimoAx, _dx, m); //beregn ny beholdning (Bx)
if (m == 0)
{
w = _livrenteDepotPrimoBx;
}
if (udvalgt && m == 0 && age < 65)
{
int expected = PensionSystem.PensionfundLivrente.InstallmentExpected(age, m, _livrenteDepotPrimoBx, contributionLivsrente[m]);
// Console.WriteLine("Forventet pension: " + expected);
}
_activeLivrente |= startLivrente == m; //aktiver livrentepensionsudbetaling
PensionSystem.PensionfundLivrente.Growth(w); //faktisk rente tilskrivning
PensionSystem.PensionfundLivrente.Contribution(contributionLivsrente[m]); //orienter pensionsfund om indbetaling
if (_activeLivrente /*&& installmentLivrente == 0*/ && _livrenteDepotPrimoBx > 0)
{
installmentLivrente = PensionSystem.PensionfundLivrente.CalculateInstallment(age, m, _livrenteDepotPrimoBx); //beregn livsrentepension, hvis aktiv
}
PensionSystem.PensionfundLivrente.Installment(installmentLivrente); //orienter pensionsfund om udbetaling
w = Convert.ToInt32((1 + PensionSystem.InterestRate(12)) * w) + contributionLivsrente[m] - installmentLivrente;
_livrenteDepotUltimoAx = Convert.ToInt32((1 + PensionSystem.InterestRateForecasted(12)) * _livrenteDepotPrimoBx) + contributionLivsrente[m] - installmentLivrente;
installment += installmentLivrente;
// if (udvalgt && installmentLivrente > 0)
// Console.WriteLine("Udbetaling livrente, m=" + m + ", " + installmentLivrente + " Kr.");
if (dead == m) //personen dør denne måned
{
PensionSystem.PensionfundLivrente.PersonExit(w, m);
break;
}
if (m == 11)
{
_dx = PensionSystem.PensionfundLivrente.CalculateDx(age, m, _livrenteDepotUltimoAx); //beregnes efter Ax
}
}
#endregion simpel livrente
#region simpel livrente med invalidepension
int installmentInvalide = 0;
for (int m = 0; m < 12; m++)
{
#region selve invalidepensionen
if (_invalid)
{
invalid = -1; //kan kun blive invalid een gang
}
_invalid |= invalid == m; //aktiver invalidepension
if (_invalid && age >= PensionSystem._pensionAge)
{
_invalid = false; //når du når pensionsalderen behandles du ikke længere som invalid, men som pensionist
_activeInvalideAlders = true;
}
if (_invalid)
{
_ddf = PensionSystem.PensionfundInvalide.CalculateDdf(age, m, _adf, _expectedPension, invalid == m); //indvalidebeholdning primo før bonus
_bdf = PensionSystem.PensionfundInvalide.CalculateBdf(m, _ddf); //indvalidebeholdning, justeret m. bonus
int fd = Math.Min(99999989, PensionSystem.PensionfundInvalide.CalculateFd(age, m, _bdf)); //udbetaling
_adf = PensionSystem.PensionfundInvalide.CalculateAdf(_bdf, fd); //indvalidebeholdning ultimo
if (m == 0)
{
_wdf = _bdf;
}
PensionSystem.PensionfundInvalide.Growth(_wdf); //rentetilskrivning
PensionSystem.PensionfundInvalide.Installment(fd); //orienter pensionsfund om udbetaling
_wdf = Convert.ToInt32((1 + PensionSystem.InterestRate(12)) * _wdf - fd);
}
#endregion selve invalidepensionen
#region opsparingssikring
int fdi = 0;
if (_invalid)
{
_ddi = PensionSystem.PensionfundInvalide.CalculateDdi(age, m, _latestContribution, _adi, invalid == m); //indvalidebeholdning primo før bonus
_bdi = PensionSystem.PensionfundInvalide.CalculateBdi(m, _ddi); //indvalidebeholdning, justeret m. bonus
fdi = PensionSystem.PensionfundInvalide.CalculateFdi(age, m, _bdi); //"udbetaling"
_adi = PensionSystem.PensionfundInvalide.CalculateAdi(_bdi, fdi); //indvalidebeholdning ultimo
if (m == 0)
{
_wdi = _bdi;
}
PensionSystem.PensionfundInvalide.Growth(_wdi); //rentetilskrivning
// PensionSystem.PensionfundInvalide.Installment(fdi); //orienter pensionsfund om "udbetaling"
_wdi = Convert.ToInt32((1 + PensionSystem.InterestRate(12)) * _wdi - fdi);
}
#endregion opsparingssikring
#region alderspension og pensionsindbetaling
_activeInvalideAlders |= startInvalideAldersPension == m; //aktiver alderspension
_invalideDepotPrimoBx = PensionSystem.PensionfundInvalide.UpdateHoldings(_dxInvalide, m); //beregn ny beholdning (Bx)
int expected = 0;
if (age < 65)
{
if (_invalid)
{
expected = PensionSystem.PensionfundInvalide.InstallmentExpected(age, m, _invalideDepotPrimoBx, fdi);
}
else
{
expected = PensionSystem.PensionfundInvalide.InstallmentExpected(age, m, _invalideDepotPrimoBx, contributionInvalide[m]);
}
}
if (udvalgt && m == 0 && age < 65)
{
Console.WriteLine("Forventet invalide pension: " + expected + " (" + m + ")");
// Console.WriteLine("Invalide alderspension, beholdning primo (Bx): " + _invalideDepotPrimoBx + " (" + m + ")");
}
if (m == 0)
{
wi = _invalideDepotPrimoBx;
}
PensionSystem.PensionfundInvalide.Growth(wi); //faktisk rente tilskrivning
if (_invalid)
{
;//PensionSystem.PensionfundInvalide.Contribution(fdi); //orienter pensionsfund om indbetaling
}
else
{
PensionSystem.PensionfundInvalide.Contribution(contributionInvalide[m]); //orienter pensionsfund om indbetaling
}
if (contributionInvalide[m] > 0)
{
_latestContribution = contributionInvalide[m]; //anvendes til bestemmelse af opsparingssikring ved invaliditet
}
if (_activeInvalideAlders && _invalideDepotPrimoBx > 0)
{
installmentInvalide = PensionSystem.PensionfundInvalide.CalculateInstallment(age, m, _invalideDepotPrimoBx); //beregn livsrentepension, hvis aktiv
}
PensionSystem.PensionfundInvalide.Installment(installmentInvalide); //orienter pensionsfund om udbetaling
if (_invalid)
{
wi = Convert.ToInt32((1 + PensionSystem.InterestRate(12)) * wi) + fdi;
}
else
{
wi = Convert.ToInt32((1 + PensionSystem.InterestRate(12)) * wi) + contributionInvalide[m] - installmentInvalide;
}
double pidf, pidi;
if (_invalid || (contributionInvalide[m] <= 0 && _timeSinceLastInvalideContribution++ > 3) || _activeInvalideAlders) //hvis der ikke er indbetalt til invalidepension i 3 måneder, stoppes dækning og præmier
{
pidf = 0;
pidi = 0;
}
else
{
_timeSinceLastInvalideContribution = 0;
pidf = PensionSystem.PensionfundInvalide.CalculatePidf(age, m, _invalideDepotPrimoBx, contributionInvalide[m]); //pidf skal dække pensionsudbetaling for invalide
pidi = PensionSystem.PensionfundInvalide.CalculatePidi(age, m, contributionInvalide[m]); //pidi skal dække pensionsindbetaling for invalide
tmp += pidi;
}
if (_invalid)
{
_invalideDepotUltimoAx = Convert.ToInt32((1 + PensionSystem.InterestRateForecasted(12)) * _invalideDepotPrimoBx + fdi);
}
else
{
_invalideDepotUltimoAx = Convert.ToInt32((1 + PensionSystem.InterestRateForecasted(12)) * _invalideDepotPrimoBx + contributionInvalide[m] - installmentInvalide - pidf - pidi);
}
installment += installmentInvalide;
#endregion alderspension og pensionsindbetaling
if (udvalgt /*&& m == 0*/ && installmentInvalide > 0)
{
Console.WriteLine("Udbetaling invalide, m=" + m + ", " + installmentInvalide + " Kr.");
}
_expectedPension = expected; //anvendes ved invalidering
if (dead == m) //personen dør denne måned
{
PensionSystem.PensionfundInvalide.PersonExit(age, m, wi); //pensionsbeholdning slettes fra pensionskasse.
break;
}
_dxInvalide = PensionSystem.PensionfundInvalide.CalculateDx(age, m, _invalideDepotUltimoAx, _activeInvalideAlders);
if (m == 11)
{
PensionSystem.PensionfundInvalide.RegisterDx(_dxInvalide);
PensionSystem.PensionfundInvalide.RegisterDx(_ddf);
PensionSystem.PensionfundInvalide.RegisterDx(_ddi);
}
}
#endregion simpel livrente med invalidepension
return(installment);
}